Dugood Federal Credit Union in Texas vs the state
17.2%Denial rate-2.26 pts vs state
19.5%Decision denial rate-5.42 pts vs state
66.7%Origination rate+11.79 pts vs state
—Median rate
—Rate spread (pts)
$115kMedian applicant income
264Loans originated
68Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 316 | 210 | 22.5% | — | #317 |
| 2024 | 297 | 222 | 14.1% | — | #325 |
| 2025 | 396 | 264 | 17.2% | — | #297 |
What Dugood Federal Credit Union lends in Texas
By loan purpose
By loan type
Where in Texas
Counties with the most Dugood Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 177 | 119 | 31 | 17.5% |
| Orange County | 63 | 39 | 8 | 12.7% |
| Hardin County | 47 | 33 | 6 | 12.8% |
| Jasper County | 32 | 23 | 4 | 12.5% |
| Harris County | 28 | 24 | 4 | 14.3% |
| Chambers County | 13 | 5 | 5 | 38.5% |
| Montgomery County | 8 | 6 | 2 | 25.0% |
| Tyler County | 7 | 3 | 3 | 42.9% |
| Fannin County | 2 | 0 | 2 | 100.0% |
| Midland County | 2 | 1 | 1 | 50.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 396 applications in 2025, of which 264 were originated and 68 denied.
17.2% of all applications, or 19.5% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Dugood Federal Credit Union's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology